Credit union · NCUA insured
Polam Federal Credit Union Credit Card Rates
Polam Federal Credit Union credit cards start at 15.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Polam Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near San Francisco, CA, where Polam Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Polam Federal Credit Union
15.00%APR
- Up to
- —
Visa Signature
Lowest rate
San Francisco Federal Credit Union
7.45%APR
- Up to
- 17.99% APR
2nd-lowest rate
Sheet Metal Workers Local 104 Federal Credit Union
7.90%APR
- Up to
- —
Polam Federal Credit Union credit card score
62
Credit card score
Higher than 6% of U.S. banks and credit unions
- Purchase APRPurchase APR15.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Polam Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Secured
Visa Secured Card requires 125% of credit limit to be held in saving account as collateral
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.00% | None | Credit Limit $500-$25,000; requires 125% of credit limit to be held in saving account as collateral |
Sources (1)
- polamfcu.com/rates · captured Oct 6, 2026
Visa Signature
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.00% | None | Credit Limit $500-$25,000 |
Sources (1)
- polamfcu.com/rates · captured Oct 6, 2026
Who can join Polam Federal Credit Union
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